Self Employed Mortgages

Being self-employed doesn't mean obtaining a mortgage is more difficult – it simply means lenders will assess your income differently.

At South Essex Mortgages, we help self-employed clients across Essex and throughout the UK secure suitable mortgage solutions tailored to their circumstances.

Whether you're a sole trader, partnership member, limited company director or contractor, we can help guide you through the mortgage process and explain the options available to you.

We regularly assist:

• Sole traders
• Partnerships
• Limited company directors
• Contractors
• Company shareholders
• Business owners

Every lender assesses self-employed income differently, which is why receiving professional advice can be particularly valuable.

The exact documents required will vary depending on your circumstances and the lender selected, but may include:

• SA302s and Tax Year Overviews
• Business accounts
• Company accounts
• Bank statements

We'll explain exactly what is needed and support you throughout the application process.

As a mortgage broker, we have access to a wide range of lenders, each with their own approach to self-employed income.

Some lenders may assess income using salary and dividends, whilst others can take a broader view of company income and trading performance.

We'll help identify lenders that may be suitable for your circumstances.

Whether you're purchasing your first home, moving house or reviewing your existing mortgage, we can help explore the options available to you.

We understand that self-employed income can vary from year to year and will work with you to present your application as effectively as possible.

• Over 10 years of mortgage experience
• Rated 5 stars on Google and Facebook
• Access to a wide range of lenders
• Experience helping self-employed applicants
• Straightforward, honest advice
• Flexible appointments available

If you're self-employed and would like to explore your mortgage options, contact South Essex Mortgages today for a free initial consultation.

We'll take the time to understand your circumstances and help you find a suitable mortgage solution.